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CONSULTATION RESPONSES
Events and Workshops
Papers and Project Reports
February 2021
Consumer Grievance Redress in Financial Disputes in India
February 2021
Our Response to the Report by the Committee of Experts on Non-Personal Data Governance Framework, December 2020
January 2021
Our Response to the Working Document on Enforcement Mechanisms for Responsible #AIforAll
January 2021
Access, Redressal & Finance in Uttar Pradesh: The Transgender Community in Uttar Pradesh
December 2020
An operational architecture for privacy-by-design in public service applications
December 2020
Caps on Third Party App Providers in UPI: Missing the Woods for the Trees?
November 2020
Access, Redressal & Finance in Uttar Pradesh: Migrant Labourers of Uttar Pradesh
November 2020
Regulation of information flows as Central Bank functions? Implications from the treatment of Account Aggregators by the Reserve Bank of India
November 2020
State of Digital Lending Towards MSMEs in India
October 2020
Access, Redressal & Finance in Uttar Pradesh: The Women Farmers of Uttar Pradesh
October 2020
Our Response to the Report by the Committee of Experts on Non-Personal Data Governance Framework
September 2020
Access, Redressal & Finance in Uttar Pradesh: The Tribal Communities of Manikpur
August 2020
Controlling Women’s Mobile Phone Access & Use
August 2020
Effects of Mobile-Based Financial Services on Migrant Households’ Remittances and Savings
August 2020
Our Reflections from the Analysis of Data from CUTS on Accessibility & Experience of Digital Payments in India
June 2020
A review of BIS’ paper on The Design of Digital Financial Infrastructure: Lessons from India
June 2020
Our Response to the White Paper on Strategy for National Open Digital Ecosystems
May 2020
What Do We Know About Women’s Mobile Phone Access & Use? A review of evidence
MAY 2020
Transaction failure rates in the Aadhaar enabled Payment System: Urgent issues for consideration and proposed solutions
MAY 2020
Fix the problems in Aadhaar-based cash transactions
APRIL 2020
Artificial Intelligence in Digital Credit in India
March 2020
Our Response to the Draft Framework for authorisation of a pan-India New Umbrella Entity (NUE) for Retail Payment Systems
March 2020
Comments to the Joint Parliamentary Committee (JPC) on the Personal Data Protection Bill 2019
January 2020
Our initial comments on the Personal Data Protection Bill, 2019
December 2019
Building safe consumer data infrastructure in India: Account Aggregators in the financial sector (Part II)
December 2019
Building safe consumer data infrastructure in India: Account Aggregators in the financial sector (Part I)
December 2019
Will The Personal Data Protection Bill Pass The Litmus Test Of Trust?
December 2019
Insights from the Roundtable on Implementing India’s Personal Data Protection Bill
November 2019
Why more smartphones and bank accounts haven’t brought financial digital inclusion in India
November 2019
Who Bears the Risk in Fintech?
October 2019
An Analysis of ‘Harm’ defined under the draft Personal Data Protection Bill, 2018
October 2019
Our Response to the Reserve Bank of India on the Discussion Paper on Guidelines for Payment Gateways and Payment Aggregators
October 2019
A Blueprint For Implementing India’s Personal Data Protection Law
October 2019
Implementing the Personal Data Protection Bill: Mapping Points of Action for Central Government and the future Data Protection Authority in India
September 2019
The Contours of Public Policy for Non-Personal Data Flows in India
September 2019
Financial Regulation of Consumer-facing Fintech in India: Status Quo and Emerging Concerns
August 2019
Digital Payments in India: Reflections from the Union Budget, the RBI’s Payments Vision 2021 and the Nilekani Committee Report
June 2019
The RBI’s proposed Public Credit Registry and its implications for the credit reporting system in India
May 2019
Our Response to RBI on the Draft Enabling Framework for Regulatory Sandbox
May 2019
Defining “Harm” in the digital ecosystem
April 2019
Digital Infrastructure and Policy Initiatives in the MSME sector
April 2019
Primer on Designing Optimal Regulation
April 2019
Primer on Consumer Data Infrastructure
April 2019
Primer on Suitability for Consumer Data Use and Product Design
April 2019
Primer on Consumer Data Regulation
April 2019
The 4th Dvara Research Conference on Regulating Data-driven Finance
January 2019
Data Sovereignty vs. Free Data: A Debate on Data Localisation – ITECHLAW International Asia Conference 2019
January 2019
The Gendered Reality of Technology in India
December 2018
The Pragati Podcast: True Financial Inclusion
December 2018
The Gendered Reality of Finance in India
November 2018
Video: Effective Enforcement of a Data Protection Regime
October 2018
Our response to the draft Personal Data Protection Bill, 2018
August 2018
A closer look at recent Payments Banks’ violations
August 2018
One year after Supreme Court’s landmark judgement, India still remains unclear on privacy rights
July 2018
Enforcing Data Protection: A Model for Risk-based Supervision using Responsive Regulatory Tools
July 2018
Enforcing Data Protection: A Model for Risk-based Supervision using Responsive Regulatory Tools
July 2018
Looking at Retail Digital Payments through a data lens
March 2018
In age of big data, routine information can be sensitive-and Indian law doesn’t protect us enough
February 2018
Our Response to the White Paper on a Data Protection Framework for India
January 2018
Last mile issues can make or break the promise of Aadhaar
January 2018
Before The Horse Bolts
December 2017
The Privacy Judgment and Financial Inclusion in India
December 2017
Inclusive Finance India Summit 2017 Starts on a High Note
November 2017
Privacy on the Line: What do Indians think about privacy & data protection?
November 2017
Privacy on the Line: What do Indians think about privacy & data protection?
October 2017
Listen to the People
October 2017
Moving towards a user data rights regime
August 2017
The Right to Privacy Judgment: Initial Reflections on Implications for Digital Financial Services
August 2017
Guest post by Dr. Katharine Kemp (Research Fellow, UNSW Digital Financial Services Regulation Project) on Big Data, Financial Inclusion and Privacy for the Poor
August 2017
Insights from the Digital Investments Roundtable
August 2017
Big Data, Financial Inclusion and Privacy for the Poor
June 2017
Insights from the Digital Credit Roundtable
May 2017
Insights from the Digital Payments Roundtable
April 2017
Comments on the RBI Draft Master Directions on Issuance and Operation of Prepaid Payment Instruments in India
March 2017
The P2P Lending Market in China: A Parable for Indian Policymakers – Part 2
March 2017
The P2P Lending Market in China: A Parable for Indian Policymakers – Part 1
March 2017
Comments on the Ministry of Electronics & Information Technology’s Draft Rules for Security of Prepaid Payment Instruments
February 2017
Comments to the RBIs draft circular on Rationalisation of Merchant Discount Rate (MDR) for Debit Card Transactions
January 2017
Whose data is it anyway? Open questions in law, policy and regulation for customers making digital payments – 50p Conference
January 2017
Let’s Break It Down: The Watal Committee Report – 50p Conference
January 2017
Comments on the Report of Watal Committee on Digital Payments
December 2016
Electronic Financial Data and Privacy in India
August 2017
